Florida 2-20 General Lines Agent (Property, Casualty, Commercial Lines and Florida Law)Commercial LinesMedium
A Florida-based company operates a fleet of charter jets for executive travel. They are seeking comprehensive aviation insurance. They are particularly concerned about the financial implications if one of their jets is damaged in a non-flying incident, such as during taxiing on the runway or while parked in a hangar. Which specific coverage within their aviation policy would address this concern?
- AAircraft Liability Coverage
- BIn-Motion Hull Coverage
- CPassenger Legal Liability
- DNot In-Motion Hull Coverage
Show answer & explanationAnswer & explanation
Correct answer: D. Not In-Motion Hull Coverage
Not In-Motion Hull Coverage specifically covers damage to the aircraft while it is not flying, including while parked, in a hangar, or being moved on the ground (taxiing), but not under its own power for take-off or landing.
Why the other options are wrong
- A. Aircraft Liability Coverage protects against bodily injury or property damage to third parties, not damage to the aircraft itself.
- B. In-Motion Hull Coverage covers damage to the aircraft while it is moving under its own power, including taxiing, take-off, and landing, but the question specifies 'non-flying incident during taxiing or parked'.
- C. Passenger Legal Liability is a component of liability coverage, protecting against claims from passengers for injury or death.
Not In-Motion Hull Coverage
A type of Aviation Hull coverage that protects the aircraft from physical damage while it is not airborne or operating under its own power, such as when parked in a hangar, tied down, or being towed.
- Covers aircraft when not flying.
- Includes hangar, tiedown, towing damage.
- Distinct from 'In-Motion' coverage.
Memory trick: Plane's Body: Fly or Parked, It's Covered